ZIP 13431 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 13431 (Herkimer County, New York) returns a low composite of 20/100. Climate and flood risk are elevated too — flood (NFIP) exposure (67/100), climate & FEMA risk (64/100). Property-level stress concentrates in construction/permit lag (55/100), structural risk (46/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (9/100) stay muted. On the structural side it scores 46/100, with 3/100 of stress already active.

The market reads expansion — home values rose 9.6% year on year (phase confidence 85/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 10.6%. 10.3% of residents fall below the poverty threshold. 1,929 residents call 13431 home, typically aged 40. Around 23% of adults hold a bachelor's degree or higher. The tenure split is 83% owner-occupied to 17% rented. Rent burden reaches 15% of tenant households. The typical home is worth about $245,100 (2.5× income, relatively affordable). At $83,200, median income runs near typical U.S. levels. There are about 842 housing units across 13431. On demographic stress specifically, 13431 scores 23/100.

On balance, 13431 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. No parcel file is published for 13431 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 13431's 20/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 13431 reflects the current record instead of a stale or modeled snapshot.

13431's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 13431 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.